In 2009, a month before my first child was born, my business partner and I launched Pathways. I worked two part-time jobs for the first year to be able to support my family until we had money to pay the bills. We are a brokerage firm for employer health benefits. We've built a game-changing service model that has produced thousands of dollars in savings for our clients and their employees both in premiums and in billed charges for health care. We take a fresh approach to brokering benefits. We believe in free market, historically-responsible solutions to health insurance industry. We built Pathways and continue to make daily sacrifices to live the American dream and fulfill our hopes for reform in our industry.